The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,866
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,515
−HK$659/mo
Today · 4.125%
HK$22,174
baseline
▲ 0.50% · 4.625%
HK$23,523
+HK$1,349/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,348/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,213
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,835
−HK$632/mo
Today · 4.125%
HK$24,467
baseline
▲ 0.50% · 4.625%
HK$25,757
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,934/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,039
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,818
−HK$791/mo
Today · 4.125%
HK$26,609
baseline
▲ 0.50% · 4.625%
HK$28,228
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,218/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,855
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,603
−HK$757/mo
Today · 4.125%
HK$29,360
baseline
▲ 0.50% · 4.625%
HK$30,908
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,720/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,212
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,121
−HK$923/mo
Today · 4.125%
HK$31,044
baseline
▲ 0.50% · 4.625%
HK$32,933
+HK$1,889/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,088/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,498
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,370
−HK$884/mo
Today · 4.125%
HK$34,254
baseline
▲ 0.50% · 4.625%
HK$36,059
+HK$1,805/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,508/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,558
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,727
−HK$1,186/mo
Today · 4.125%
HK$39,913
baseline
▲ 0.50% · 4.625%
HK$42,342
+HK$2,429/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,826/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,783
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,904
−HK$1,137/mo
Today · 4.125%
HK$44,041
baseline
▲ 0.50% · 4.625%
HK$46,362
+HK$2,321/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,082/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,059 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).